Payment methods in Ghana

MMI allows users of any mobile money network to send money to users on any other network or bank account seamlessly. Ghana was among the first countries in Africa to achieve full mobile money interoperability, significantly boosting adoption.

Competing mobile money platforms that together hold the remaining ~27% of Ghana's mobile money market. All three networks are interoperable via Mobile Money Interoperability (MMI), enabling cross-network transfers.

GIP enables real-time account-to-account transfers between banks and between banks and mobile money wallets. It underpins internet banking and mobile banking applications across Ghana's commercial banks.

MTN MoMo is the leading mobile money service in Eswatini, offering P2P transfers, merchant payments, bill payments, airtime top-up, and savings products. It is the primary digital financial tool for the unbanked population and is widely used even by banked consumers for everyday payments. MTN Eswatini has the largest mobile subscriber base in the country.

Hubtel is Ghana's leading consumer payments and commerce app for paying bills, ordering food and checking out via mobile money, cards and QR. Operator: Hubtel Ltd. Est. users: Millions of app users (2024, est.).

JumiaPay is the embedded wallet and checkout solution for the Jumia marketplace and bill payments across several African markets. Operator: Jumia Technologies AG. Est. users: ~5.4M Jumia active customers (2024).

Tingg is Cellulant's consumer payments app and checkout that aggregates mobile money, cards and bank rails across eight African markets. Operator: Cellulant Corporation. Est. users: Large pan-African user base (2024).

Zeepay is a Ghanaian mobile-money wallet focused on remittance termination, bill payment and online purchases across African corridors. Operator: Zeepay Ghana Ltd. Est. users: 2M+ users (2024).

G-Money is GCB Bank's interoperable bank-issued mobile-money wallet for storing money and making payments via USSD and app. Operator: GCB Bank PLC. Est. users: Significant user base (2024, est.).

GhanaPay is a shared bank-operated mobile-money wallet letting anyone with a phone send money, pay bills and shop with or without a bank account. Operator: Ghana Association of Banks (member banks). Est. users: Multi-bank user base (2024, est.).

EcobankPay (via the Ecobank Mobile app) offers QR-based scan-to-pay and account payments across 33 African countries. Operator: Ecobank Transnational Inc. Est. users: 4M+ app users (multi-country).

Chipper Cash is a pan-African wallet for free cross-border transfers, bill pay, virtual cards and online payments across seven markets. Operator: Chipper Technologies Inc. Est. users: 7M+ users (2024).